It's begun. the wave of 70 million boomer retirees that's been a vivid policy discussion for years is upon us and starting to define the lives of millions of Americans.

Unfortunately, at just the wrong time, many have relegated Social Security to a marginal role in financial planning. And given some of the alarmist chatter about Social Security, it's easy to see why. It's operating in the red! It's facing $9 trillion in unfunded liabilities! It's going broke!

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